# Payflow

**Source:** https://geo.sig.ai/brands/payflow  
**Vertical:** Finance  
**Subcategory:** Accounting Software  
**Tier:** Emerging  
**Website:** payflow.es  
**Last Updated:** 2026-04-14

## Summary

PayPal's payment gateway API for merchants; credit card processing with tokenization and recurring billing competing with Stripe and Braintree for e-commerce payment integration.

## Company Overview

Payflow is PayPal's payment gateway product providing payment processing APIs for e-commerce businesses and developers — enabling merchants to accept credit cards, PayPal, Venmo, and other payment methods on their websites through a developer-friendly integration that handles payment processing, fraud detection, and recurring billing. Payflow Pro is the hosted payment page version while Payflow Link provides a simpler redirect-based integration. As part of PayPal Holdings, Inc. (NASDAQ: PYPL), Payflow competes for merchant payment gateway market share.\n\nPayflow's payment gateway services include credit card processing (Visa, Mastercard, American Express, Discover), tokenization for PCI compliance (storing customer payment credentials securely), recurring billing for subscription businesses, PayPal and Venmo payment options, and fraud prevention through PayPal's fraud detection models. The gateway integrates with major shopping carts and e-commerce platforms (WooCommerce, Magento, Shopify, BigCommerce) and provides REST APIs for custom integrations.\n\nIn 2025, Payflow competes with Stripe (the developer-preferred payment gateway), Braintree (PayPal's own competing product), Authorize.net (Visa), and Square for e-commerce payment gateway market share. Payflow is PayPal's legacy gateway product that predates Braintree — PayPal has been investing more in Braintree's modern developer experience while Payflow maintains its existing merchant base. The payment gateway market has consolidated as Stripe's developer experience set a new standard that legacy gateways have struggled to match. PayPal's 2025 strategy for Payflow focuses on maintaining existing enterprise merchant relationships while Braintree handles new enterprise acquisition and PayPal Checkout focuses on consumer-facing checkout integration.

## Frequently Asked Questions

### What is Payflow?
Payflow is a Barcelona-based financial well-being platform founded in 2020 that offers employees on-demand salary access through a mobile app. The company has evolved into a SuperApp providing comprehensive financial wellness solutions that employers can offer as employee benefits.

### What products and services does Payflow offer?
Payflow operates a SuperApp with four main products: Payflow (salary advance/on-demand salary access), Flexflow (flexible payment card), Saveflow (automated savings), and Learnflow (financial education). These services are designed to improve employees' financial wellness.

### Who is Payflow designed for?
Payflow is designed for employees who want access to financial wellness tools, and for employers who want to provide these services as an employee benefit. The platform enables companies to offer on-demand salary access and other financial services to their workforce.

### When was Payflow founded and by whom?
Payflow was founded in 2020 by Benoit Menardo and Avinash Sukhwani. The company participated in Y Combinator's Summer 2021 batch (S21).

### Where is Payflow located?
Payflow is based in Barcelona, Spain. The company has expanded internationally with employees across 5 continents.

### How much funding has Payflow raised?
Payflow has raised $84.2M in total funding over 10 rounds from 34 investors, including €32M in accumulated funding and debt since 2020. Recent funding includes an $8M Series B-II in June 2025 and a €20M financing agreement with BBVA Spark.

### What is Payflow's current revenue?
As of August 2025, Payflow reports $15M in annual revenue, up from $14.7M earlier in 2025. This represents the company's growth as it expands from salary-advance services toward neobank ambitions.

### How large is Payflow's team?
Payflow has between 80-88 employees working across 5 continents. The distributed team supports the company's international operations from its Barcelona headquarters.

### What is Payflow's approach to financial wellness?
Payflow takes a comprehensive SuperApp approach to financial wellness, combining immediate salary access with flexible payments, automated savings, and financial education. The platform evolved from a focused salary-advance service to a broader financial wellness solution with neobank ambitions.

### What are Payflow's recent developments?
Recent developments include raising $8M in Series B-II funding in June 2025 and securing a €20M financing agreement with BBVA Spark. The company has evolved its product offering into a 4-product SuperApp and is pursuing neobank ambitions beyond its original salary-advance focus.

## Tags

b2b, fintech, payment-processing, saas, europe, scaleup

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*Data from geo.sig.ai Brand Intelligence Database. Updated 2026-04-14.*